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Seacoast Banking of Florida (SBCF) investor relations material
Seacoast Banking of Florida Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary25 Jul, 2025
Executive summary
Net income for Q2 2025 was $42.7M ($0.50/diluted share), up 36% sequentially and 41% year-over-year; adjusted net income was $44.5M ($0.52/share), up 39% sequentially and 47% year-over-year.
Loans grew 6.4% annualized to $10.6B, supported by a robust commercial pipeline and successful talent acquisition.
Net interest margin expanded 10 bps to 3.58%; cost of deposits declined 13 bps to 1.80%.
Tangible book value per share increased 12% year-over-year to $17.19; Tier 1 capital ratio at 14.6%.
Completed Heartland Bancshares acquisition in July 2025; Villages Bancorporation acquisition expected to close Q4 2025, expanding the footprint and asset base.
Financial highlights
Net interest income Q2 2025: $126.9M, up 7% sequentially and 21% year-over-year.
Noninterest income Q2 2025: $24.5M, up 11% sequentially and year-over-year, with fee revenue and BOLI income contributing.
Noninterest expense Q2 2025: $91.7M, up 1% sequentially and 11% year-over-year; merger-related charges were $2.4M.
Efficiency ratio improved to 56.95% (adjusted 55.36%).
Book value per share was $26.43 and tangible book value per share was $17.19, both up year-over-year.
Outlook and guidance
Management expects the two bank acquisitions to enhance profitability and long-term growth, with full integration of Villages Bancorporation by Q2 2026.
Continued net interest income growth and core net interest margin targeted at ~3.35% (plus 10 bps from acquisitions).
Noninterest income projected at $20–22M for Q3; adjusted expenses (ex-merger costs) expected at $92–94M.
Anticipate mid- to high-single-digit organic loan growth for full year 2025 and into 2026.
Low single-digit organic deposit growth expected for 2025.
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Next Seacoast Banking of Florida earnings date
Q3 202528 Oct, 2025
Next Seacoast Banking of Florida earnings date
Q3 202528 Oct, 2025
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Frequently asked questions
Seacoast Banking Corporation of Florida operates as the bank holding company for Seacoast National Bank that provides financial services to retail and commercial customers in Florida. It offers traditional banking services focusing on commercial and retail banking, wealth management, and treasury management solutions; deposit accounts, such as checking, money market, interest-bearing negotiable order of withdrawal, savings, and certificates of deposit accounts; lending products comprising residential mortgage, commercial real estate construction, commercial business, and consumer loans; treasury management services; online banking services; automated voice response telephone system; debit cards and credit cards; remote deposit capture service; and retirement planning advisory.
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